Forum Discussion

chrisferns's avatar
chrisferns
Joining in
2 months ago

Credit check failed despite excellent credit score and no help from customer services

Applied for broadband on 26th December and got email about doing credit check.  Hadn't heard anything at all since so called customer services to see what was happening to be told had failed credit c...
japitts's avatar
japitts
Very Insightful Person
2 months ago

As far as your "credit score" goes, whatever number Experian have given you is only relevant as far as Experian are concerned.

You have a statutory credit file with Experian, Equifax & TransUnion. Individual lenders then score that data against their own criteria which are specific to them. You may want to ask Experian & Equifax what the specific criteria are for their score, but it's a lottery whether they'll disclose it. I very much doubt VM will discuss specifics.

Anyone selling or offering you a "credit score" is a marketer, pure & simple.